A person's financial goal can be to retire early or travel around the world. Maybe some people want to find a second job to enrich themselves. In short, everyone's goals are different. This goal doesn't need to be too complicated, but we need to break it down, preferably into phased goals that can be completed in a short time. For example, if your goal is to save a down payment of 30,000 yuan in the next five years, then you need to save it in 500 yuan every month. If you want to retire after saving/kloc-0.00 million, you need to deposit at least in 800 yuan every month.
2. You can restrain the urge to consume impulsively.
For some people, sometimes the impulse to shop is hard to suppress. For people with good consumption habits, they are usually aware of the harm caused by impulsive consumption and will not spend unnecessary expenses just to look "rich".
Only by controlling this impulse can we save money every month, and part of it is used for investment and wealth management, and personal wealth is accumulated bit by bit.
So how can we control our consumption impulse? In fact, it is very simple, that is, to make a consumption plan in advance: how much is the monthly living expenses, how much is needed to repay the loan, and what other possible expenses. With a simple calculation, you can quickly figure out how much money you can save at least every month.
3. Learn to "automate" financial management
It is not difficult to set a financial goal, but how to achieve it step by step. It's like everyone knows the importance of saving money, but very few people can really save money, which is why we need to form the habit of time deposit.
Nowadays, many financial management apps (small financial fans) have the function of automatic salary management. As long as the date and time of transfer are set, the money can be transferred automatically after the salary is paid. In fact, this is very similar to the payment method of pension. Save a part of your salary regularly every month, and you can take out a considerable part when necessary.
Even if you can only save in 250 yuan for one month, if you start saving at the age of 20, the money will be nearly1100,000 by the age of 65, based on 6% income. This means that the sooner you start saving money, the more you will get in the end.
4. Regular physical examination of assets.
Just like our regular physical examination, we should check our assets every once in a while to see if we are still moving towards the same goal.
Regular "physical examination" means that you need to adjust your personal expenses, know how much your savings are, what investments you have made for retirement, and whether you need to equip yourself and your family with an insurance. In other words, only by knowing exactly how much money you have earned and spent can you know how much money you can save.
5. Maintain your ability to make money.
Whether now or in the future, our economic situation is determined by income. After all, the money you can save is limited, but there is no upper limit to the money you can earn. For example, Qian Shengqian can make more money by investing idle funds. Bai Rong investment platform 12 months annualized product income 1 1.8%, 100 yuan can be invested, which is convenient to operate and has high returns. It's a good choice.
Outside of work, actively expanding social circles, upgrading professional skills, so that you can meet better opportunities at any time, is the best way to slowly increase your income. For successful people, they don't wait for the pie to fall from the sky, but know how to fight for opportunities by themselves, which is often ignored by most people.